Wintrust Financial Corporation Cash Flow Quality Index
Wintrust Financial Corporation cash flow quality index. Wintrust Financial Corporation (WTFC) has a Cash Flow Quality Index of 0.97x as of September 2025. Operating cash flow of $209.78 Million is below net income of $216.25 Million, suggesting accrual-heavy earnings not yet converted to cash. See WTFC financial flexibility index to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of Wintrust Financial Corporation (1997–2024)
Cash flow quality index of Wintrust Financial Corporation from 1997 to 2024. Historical Cash Flow Quality Index for Wintrust Financial Corporation across 28 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore debt repayment capacity of Wintrust Financial Corporation to assess how comfortably operating cash covers total debt obligations.
Wintrust Financial Corporation Cash Flow Quality Index by Year (1997–2024)
Wintrust Financial Corporation cash flow quality index by year from 1997 to 2024. Year-by-year earnings quality comparison for Wintrust Financial Corporation. For the full cash flow conversion analysis, see WTFC cash generation efficiency.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 1.04x | $721.56 Million | $695.04 Million | ▲ +3.5% |
| 2023 | 1.00x | $1.84 Billion | $1.84 Billion | ▼ -62.8% |
| 2022 | 2.70x | $1.38 Billion | $509.68 Million | ▲ +11.2% |
| 2021 | 2.43x | $1.13 Billion | $466.15 Million | ▲ +237.1% |
| 2020 | -1.77x | $-518.47 Million | $292.99 Million | ▼ -336.6% |
| 2019 | 0.75x | $265.99 Million | $355.70 Million | ▼ -32.0% |
| 2018 | 1.10x | $377.18 Million | $343.17 Million | ▼ -29.5% |
| 2017 | 1.56x | $401.63 Million | $257.68 Million | ▲ +3.7% |
| 2016 | 1.50x | $310.97 Million | $206.88 Million | ▲ +504.7% |
| 2015 | 0.25x | $38.97 Million | $156.75 Million | ▼ -81.8% |
| 2014 | 1.36x | $206.37 Million | $151.40 Million | ▼ -34.9% |
| 2013 | 2.09x | $287.21 Million | $137.21 Million | ▼ -13.4% |
| 2012 | 2.42x | $268.65 Million | $111.20 Million | ▼ -23.3% |
| 2011 | 3.15x | $244.27 Million | $77.58 Million | ▲ +60.8% |
| 2010 | 1.96x | $124.01 Million | $63.33 Million | ▲ +117.0% |
| 2009 | -11.51x | $-841.03 Million | $73.07 Million | ▼ -255.9% |
| 2008 | 7.38x | $151.29 Million | $20.49 Million | ▲ +256.2% |
| 2007 | 2.07x | $115.38 Million | $55.65 Million | ▲ +233.0% |
| 2006 | 0.62x | $41.39 Million | $66.49 Million | ▼ -64.3% |
| 2005 | 1.74x | $116.91 Million | $67.02 Million | ▼ -28.1% |
| 2004 | 2.43x | $124.53 Million | $51.33 Million | ▼ -32.7% |
| 2003 | 3.61x | $137.49 Million | $38.12 Million | ▲ +69.8% |
| 2002 | 2.12x | $59.21 Million | $27.88 Million | ▲ +253.9% |
| 2001 | -1.38x | $-25.45 Million | $18.44 Million | ▼ -132.9% |
| 2000 | 4.20x | $46.84 Million | $11.15 Million | ▲ +47.0% |
| 1999 | 2.86x | $26.93 Million | $9.43 Million | ▲ +313.4% |
| 1998 | -1.34x | $-8.30 Million | $6.20 Million | ▼ -207.1% |
| 1997 | 1.25x | $6.00 Million | $4.80 Million | — |